Pennzoil 10-Minute Oil Change
The total investment to open a Pennzoil 10-Minute Oil Change franchise ranges from $70,500 to $374,765.
What is the Pennzoil 10-Minute Oil Change franchise?
Pennzoil 10 Minute Oil Change provides oil changes and vehicle maintenance for drivers. The estimated total initial investment to open is $70,500 to $374,765.
The business is based in Oxford, Michigan.
Loan Activity Score
59/100
SBA Default Rate
0.0%
Active Lenders
10
According to its Franchise Disclosure Document or public business records, Pennzoil 10-Minute Oil Change has 15 locations, all owned by franchisees. Public SBA loan records show 10 lenders made 13 loans to franchisees of Pennzoil 10-Minute Oil Change. PeerSense calculates Pennzoil 10-Minute Oil Change's score as 59 out of 100, using public SBA loan performance and recent lending activity.
15 locations
$70,500 to $374,765
15
15 franchised
Proprietary PeerSense metric
ModerateDistinct lenders in public SBA records for Pennzoil 10-Minute Oil Change
13
Total SBA loans
$225K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Pennzoil 10-Minute Oil Change
Loan Activity Score Breakdown
Growing (10 to 24 loans)
Are lenders increasingly or decreasingly funding this brand? Growing trends score highest.
Blended default rate (recent + all time) compared to NAICS sector peers.
Quality lenders actively backing this brand, with penalty for lender pullback.
FDD availability, Item 19 disclosure, and overall data completeness.
Geographic spread of SBA funded locations across states.
SBA Lending Performance
SBA Default Rate
0.0%
vs 10.8% peer avg
SBA Loans
13
Total Volume
$2.9M
Active Lenders
10
3 selective
States
10
vs. SBA Sector Average
SBA loan default rate vs. all franchises in the same NAICS sector, not limited to direct competitors
Key Highlights
Franchise Financing Resources
Data Insights
Key performance metrics for Pennzoil 10-Minute Oil Change based on SBA lending data
SBA Default Rate
0.0%
10.8% below peer avg
SBA Loan Volume
13 loans
Across 10 lenders
Lender Diversity
10 lenders
Avg 1.3 loans per lender
Investment Tier
Mid range investment
$70,500 to $374,765 total
Pennzoil 10-Minute Oil Change: Deep SBA Data
Brand specific metrics derived directly from SBA 7(a) approval records: peak lending year, leading state, average loan size, and lender concentration. PeerSense computes these per brand so capital advisors and prospective franchisees can benchmark this opportunity against the rest of the franchise universe.
Peak SBA Year
2016
3 approvals. The best year on record for Pennzoil 10-Minute Oil Change.
Top SBA State
Michigan
5 SBA financed Pennzoil 10-Minute Oil Change locations, the densest operator footprint.
Average Loan Size
$206K
Median $165K. Use as a sizing anchor when modeling your own Pennzoil 10-Minute Oil Change unit.
Lender Concentration
37.5%
Moderately Spread
Share of Pennzoil 10-Minute Oil Change approvals captured by the top 3 SBA lenders.
Pennzoil 10-Minute Oil Change's SBA lending pipeline peaked in 2016 (3 approvals). Operator density is highest in Michigan with 5 SBA financed locations. Average funded ticket sits at $206K, with the median at $165K. Lender mix is moderately spread: the top three SBA lenders account for 37.5% of approvals. Meaningful choice exists, but specific lenders carry the brand.
Payment Estimator
Estimated Monthly Payment
$730
Principal & Interest only
Indicative only, as of October 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense sources the file. The lender sets pricing. What these terms mean.
Locations
Pennzoil 10-Minute Oil Change, unit breakdown
Explore Funding for Pennzoil 10-Minute Oil Change
Our business financing consultants help connect you with the right lending partners. Referral fee paid at closing.
Or get an instant analysis
Scan Your Deal InstantlyPage Review
Reviewed by Edward L. Freeman, Founder and Managing Director, PeerSense
- PeerSense is a capital advisory firm that places commercial financing with direct capital sources; it does not lend, fund, or approve loans, and the capital source sets final terms.
- Edward L. Freeman founded PeerSense in January 2020.
- He is a Registered Franchise Consultant with Business Alliance, Inc., a credential issued in March 2022, and worked as a franchise consultant there from March 2022 to May 2023.
- His recorded experience includes a $22 million SBA construction loan, with about $16 million funded on the deal.
- In the 12 months through September 30, 2026, PeerSense tracked 912 publicly announced financings with a disclosed size of $361.32 billion. PeerSense Capital Data Report · Methodology page
Last reviewed LinkedIn profileAbout Edward Freeman